The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$6,692
−HK$419/mo
▼ 0.25% · 3.875%
HK$6,900
−HK$211/mo
Today · 4.125%
HK$7,111
baseline
▲ 0.50% · 4.625%
HK$7,544
+HK$433/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$14,222/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,445
−HK$402/mo
▼ 0.25% · 3.875%
HK$7,644
−HK$203/mo
Today · 4.125%
HK$7,847
baseline
▲ 0.50% · 4.625%
HK$8,260
+HK$413/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$15,694/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,030
−HK$504/mo
▼ 0.25% · 3.875%
HK$8,280
−HK$254/mo
Today · 4.125%
HK$8,534
baseline
▲ 0.50% · 4.625%
HK$9,053
+HK$519/mo
Deposit HK$1.17M · loan HK$1.76M · min. income ≈ HK$17,068/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,933
−HK$483/mo
▼ 0.25% · 3.875%
HK$9,173
−HK$243/mo
Today · 4.125%
HK$9,416
baseline
▲ 0.50% · 4.625%
HK$9,912
+HK$496/mo
Deposit HK$1.17M · loan HK$1.76M · min. income ≈ HK$18,832/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,368
−HK$588/mo
▼ 0.25% · 3.875%
HK$9,660
−HK$296/mo
Today · 4.125%
HK$9,956
baseline
▲ 0.50% · 4.625%
HK$10,562
+HK$606/mo
Deposit HK$880K · loan HK$2.05M · min. income ≈ HK$19,912/mo (50% DSR)
Upfront cash ≈ HK$880K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,422
−HK$563/mo
▼ 0.25% · 3.875%
HK$10,702
−HK$283/mo
Today · 4.125%
HK$10,985
baseline
▲ 0.50% · 4.625%
HK$11,564
+HK$579/mo
Deposit HK$880K · loan HK$2.05M · min. income ≈ HK$21,970/mo (50% DSR)
Upfront cash ≈ HK$880K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,045
−HK$756/mo
▼ 0.25% · 3.875%
HK$12,420
−HK$381/mo
Today · 4.125%
HK$12,801
baseline
▲ 0.50% · 4.625%
HK$13,579
+HK$778/mo
Deposit HK$293K · loan HK$2.64M · min. income ≈ HK$25,602/mo (50% DSR)
Upfront cash ≈ HK$294K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,400
−HK$724/mo
▼ 0.25% · 3.875%
HK$13,760
−HK$364/mo
Today · 4.125%
HK$14,124
baseline
▲ 0.50% · 4.625%
HK$14,869
+HK$745/mo
Deposit HK$293K · loan HK$2.64M · min. income ≈ HK$28,248/mo (50% DSR)
Upfront cash ≈ HK$294K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).